TUNE PROTECT TRAVEL - AIRASIA SUMMARY OF … · (Excluded Emergency Medical Evacuation ... Rubia,...

75 White Group Building 1, 6th Floor, Soi Rubia, Sukhumvit 42 Rd., Prakanong, Klongtoey, Bangkok 10110 Tel. 02-203-9798 Fax: 02-769-9801-3 www.tuneinsurance.co.th

TUNE PROTECT TRAVEL - AIRASIA

SUMMARY OF BENEFITS - ONE WAY PLAN (TAA)

A) Schedule Of Benefit (i) Coverage excluding Infants is provided as following:

BENEFIT BENEFIT AMOUNT (BAHT)

1. Accidental death & dismemberment

(Reimbursement if an accident occurs causing death or loss of limb or

eyesight)

3,000,000

2. Trip Cancellation

(Reimbursement for cost of flight if the Insured AirAsia Guest cancels the

trip for covered reasons)

Up to original flight cost

(Ticket+VAT+Fuel)

3. AirAsia Flight Delay

(Flat payment for every 6 hour period of the original flight delay)

1,000 per 6 hours delay

period, up to 10,000

4. On-Time Guarantee

(Single Payment for at least 2 hours period of original flight delay)

2,000

5. Baggage Delay

(For every 6 hour delayed of Checked-In Baggage from time of arrival)


Up to 6,000

6. Missed Flight Connection

No onward connecting flight available within 6 hours from the missed

Scheduled Flight due to delay of AirAsia’s Incoming connecting flight.


Up to 6,000

7. Baggage and Personal Effects (Cover loss or damage to baggage, clothing, personal effects, golfing equipment)

Up to 15,000

Deductible 600 per claim

(Any one item 3,000)

8. 24 Hours Worldwide Travel Accident Services

(Excluded Emergency Medical Evacuation & Repatriation Services)

Included


(ii) Coverage for accompanying Infants who are named in the Confirmation Slip is provided as following: Coverage is provided for one (1) accompanying named infant per Insurance Certificate if the principal

Insured AirAsia Guest has purchased a One Way Plan.

BENEFIT BENEFIT AMOUNT (BAHT)

1. Accidental death & dismemberment (24 hrs-coverage)

(Reimbursement if an accident occurs causing death or loss of limb

or eyesight)

300,000

B) Commencement of Cover The “One Way Plan” coverage provided to the Insured AirAsia Guest starts only from Thailand upon

checking-in for departure of a Schedule Flight provided the premium has been paid before travel and a

copy of the Tune Protect Travel - AirAsia Certificate has been issued. Coverage will include the time the

Insured AirAsia Guest is inside any airport premises for the purpose of commencement or continuation of

the same scheduled Flight.

On the other hand, the Trip Cancellation benefit under a paid Insurance Certificates starts from the

Certificate Issue Date.

C) Termination of Cover: Cover ends at arrival at the airport terminal of the AirAsia Destination.

D) Personal Accident Coverage: Personal Accident Coverage starts upon flight check-in on the Departure Date, provided the premium is

paid and a copy of the Tune Protect Travel - AirAsia Certificate has been issued. Personal Accident

Coverage ends at arrival at the airport terminal of the AirAsia Destination Country.

E) Age Limit: Coverage can be purchased under the One Way Plan for all AirAsia Guests for age from 9 days up to age

75 years old. Under the free coverage extension for infants, the age limits are from 9 days to 2 years old.


F) Special Definition: The period between the Departure Date and return Date is known as the “Flight”

Cover under this Plan is commonly known as “One Way Plan”

G) Additional Term and Condition: Insured Person will be provided the certificate of Travel Insurance. Once the certificate is issued, it is non-

changeable and non-refundable. However, in terms of flight changes and cancellation by AirAsia, this

additional term and condition will be applied.

• Flight Delay: the current certificate is still valid.

• Airline Switch: the current certificate is still valid.

• In case of the flight cancellation by AirAsia, the travel insurance policy will be expired if the Insured Person selects the Credit Shell. However, the premium will be refunded as a credit for the Insured Person to buy a new air ticket of AirAsia flight.

• In case of the flight cancellation by AirAsia, the travel insurance policy will be expired if the Insured Person selects Cash Refund pay-out. The premium will be included in the total amount you receive from AirAsia. However, the refund has to be made before the departing time.

H) Additional exclusions:

• This insurance does not cover bodily injury, sickness, bacterial or virus infections occasioned directly or indirectly by nuclear, chemical or biological weapon.

• This insurance does not cover any loss resulting from war, military operations, whether war is declared or not, and any effect of terrorism.

I) Additional Definition:

Scheduled Flight:

This refers to commercial flights scheduled by AirAsia, it’s being always understood that the AirAsia has at

all times the requisite and valid license or similar authorization for schedules air transportation and landing

rights for fare-paying Guests as issued by the relevant authorities in the country in which it operates, and

that in accordance with such authorization, maintain and publish schedules and tariffs for Guest service

between named airports. In addition, Departure times, transfers and destination points shall be established

by reference to the Insured Person’s Scheduled Flight ticket.


Serious Illness:

Whenever applied to the Insured Person, spouse, parent, parent-in-law, grandparent, child, brother or sister,

it shall mean Sickness certified as being life threatening and requiring immediate treatment by a Physician

and which results in the Insured Person, spouse, parent, parent-in-law, grandparent, child, brother or sister

being certified by that Physician as unfit to travel or continue with his/her original Flight or Trip.

Sickness/Illness:

Any noticeable change in the physical health of an Insured Person provided that this change occurs

between the date of purchasing air ticket(s) and Departure Date as concerns the Cancellation coverage and

the nature of the illness is not excluded from this present policy.

The Flight:

Refers to the period covered under the Tune Protect Travel - AirAsia One Way Plan.

Time:

Any reference to a time or date in the policy context or in the context of a coverage period is that referable

to Thai time

Currency of Payment:

All amounts payable either to or by the Company shall be payable in the currency stated on the Schedule of

Benefits.

Compensation Limit:

The Compensation limit is that expressed in the Compensation Table

Age:

All ages referred to in this Policy shall be the age of the Insured Person at his last birthday.

Cancellation:

Certificates of Insurance once issued are not cancelable


Thai AirAsia Company Limited:

Any issues, matters or claims related in whole or part to insurance provided under this Certificate shall be

the sole responsibility of the Company, and shall not in anyway involve Thai AirAsia Company Limited.

For all intents and purposes where there is a conflict or ambiguity as to the meaning in the English

provisions or the Thai provisions, it is hereby agreed that the Thai version shall prevail.

Remark: The English Language used in this Policy is merely a translation of Thai Version.


Travel Insurance for Commercial Airline’s Guest

In reliance upon the statements made in the application for insurance forming part of this insurance Policy

and in consideration of the premium to be paid by the Insured Person and subject to the terms, general conditions,

insuring agreements, exclusions and endorsements of this insurance Policy, the Company agrees with the Insured

Person as follows:

SECTION 1. DEFINITIONS

Any word or expression to which specific meaning has been given in any part of this Policy shall have such specific meanings wherever it may appear, unless specified otherwise in the Policy.

1.1 Policy means the Insurance Schedule, Schedule of Benefits, Conditions,

Insuring Agreement, Exclusions, Attachments, Special

Provisions, Warranties and Endorsements forming part of this

insurance contract.

1.2

1.3

Company

Policyholder

means

means

Tune Insurance Public Company Limited

Thai AirAsia Company Limited.

1.4 Insured Person means the person named as the Insured Person in the Policy

Schedule and/or any attached papers and is covered under

this Policy.

1.5 Accident

means a sudden and violent event due to external causes that gives

rise to a result unforeseen and unanticipated by the Insured

Person.

1.6 Injury

means bodily injury caused by an Accident solely and independently

of all other causes.

1.7 Sickness means any symptom, disorder, illness or disease suffered by the

Insured Person.


1.8 Loss or Damage means bodily injury sustained by the Insured Person caused by an

Accident resulting in death, dismemberment, loss of sight,

disability, or any loss or damage to the Insured Person’s

property.

1.9 Deductible means the first part of loss which shall be borne by the Insured

Person.

1.10 Physician means any person licensed to practice modern medicine with the

Medical Council who can render medical treatment

and surgery within the territory he/she is licensed.

1.11 Nurse means any person licensed to provide professional nursing service.

1.12 In-patient means a person who is confined in a Hospital or Medical

Establishment as registered in-patient on the

recommendation of a Physician according to standard

medical practice for a period suitable for treatment of the

Injury or Sickness.

1.13 Out-patient means a person who receives medical treatment from the Out-patient

Department or an Emergency Room of a Hospital or Medical

Establishment or Clinic but there is no medical necessity

according to the standard medical practice for such person

to be hospitalized as in-patient.

1.14 Hospital

means any medical establishment which can provide room, board

and full medical services to sick persons and has adequate

facilities and staff, facilities for major surgery and registered

as a hospital under the applicable law.

1.15 Medical

Establishment

means any medical establishment which can provide room, board

and medical services to sick persons and registered as a

Medical Establishment under the applicable law.


1.16 Clinic means any establishment with a license to provide medical treatment

and diagnosis but is not legally authorized to provide room

and board for sick persons.

1.17 Standard Medical

Practice

means an international standard practice of medicine leading to

proper treatment for patients according to medical necessity

and records on the injury, sickness, examination results,

autopsy results or any other records (If any)

1.18 Reasonable and

Necessary Expenses

means any reasonable medical expenses or charges which are

normally charged to other patients for services provided by

the Hospital, Medical Establishment or Clinic where the

Insured Person has sought treatment.

1.19 Medical Necessity means medical services which meet following conditions:

1) Are in conformity with the diagnosis and treatment of the

Injury and sickness suffered by the person being treated;

2) There is clear medical indication according to standard

practice of modern medicine;

3) Are not provided simply for the convenience of the person

being treated or his/her family or the service provider; and

4) Conform to standard medical treatment and is necessary

for the injury or sickness suffered by the person being treated

1.20 Pre-existing

Conditions

means any disease (and complications), symptom or disorder suffered by the Insured within a 24-month period preceding the effective date of the Policy which would cause an ordinary prudent person to seek diagnosis, care or treatment or cause a Physician to provide diagnosis, care or treatment.

1.21 AIDS means acquired Immune Deficiency Syndrome resulting from AIDS

virus including Opportunistic Infection, Malignant Neoplasm

or any disease or sickness where blood tests indicate the

presence of HIV (Human Immune Deficiency Virus).


Opportunistic Infection shall include but not limited to

Pneumocystis Carinii Pneumonia, Organism or Chronic

Enteritis, virus and/or disseminated fungi infection. Malignant

Neoplasm shall include but not limited to Kaposi’s Sarcoma,

Central Nervous System Lymphoma and/or other

malignancies now known as Acquired Immune Deficiency

Syndrome or as immediate causes of death, an illness or

disability, AIDS shall include HIV, Encephalopathy Dementia

and spread of the virus.

1.22 Policy Year means a period of one year from the effective date of the Policy or

the anniversary date of subsequent policy year.

1.23 Acts of Terrorism means any actual and/or threatened use of force or violence of any

person or group of persons, whether acting alone or on behalf

of or in connection with any organization or government,

committed for political, religious or ideological purposes

including the intention to influence any government and/or to

put the public in fear for such purposes.

1.24 Inter Partner

Assistance

means a company providing services for Insured Person while

traveling, such as medical care advice, emergency medical

evacuation service and repatriation service.


SECTION 2 GENERAL CONDITIONS AND PROVISIONS

2.1 INSURING AGREEMENT

In reliance upon the statements in the application for insurance and additional declaration (if any) signed by

the Insured Person, the Company hereby issues this Policy as evidence of insurance.

If the Insured Person has intentionally made any misrepresentation in the statements under paragraph 1

above or failed to disclose to the Company any facts known to him/her which may have caused the Company to

charge higher premium or refuse to enter into this insurance contract, this insurance agreement shall become void

under Article 865 of the Civil and Commercial Code and may be avoided by the Company.

No statement will be used by the Company to defend against a claim under this Policy unless contained in the

documents declared by the Insured Person under paragraph 1 above.

2.2 VALIDITY AND ALTERATION

This Policy including the Insured Agreements shall constitute the entire contract. No change of provisions

shall be valid unless approved by the Company and such approval is endorsed hereon.

2.3 PERIOD OF INSURANCE

The period of each of the Insured Person’s trips shall commence and end within the period of insurance.

2.3.1 For One Way Plan Coverage stated in the insurance certificate, the coverage shall commence upon the Insured Person’s checking in at the AirAsia airline counter and continue to be in force until the Insured Person’s arrival at the in-bound terminal of the airport of destination 2.3.2 For Return-Trip Plan Coverage stated in the insurance certificate, the coverage shall commence upon

the Insured Person’s checking in at the AirAsia airline counter and continue to be in force until the Insured Person’s

arrival at the in-bound terminal of the airport on the return leg of the journey. The period of insurance shall not exceed

30 days from the departure date, whichever is shorter period. The coverage shall terminate automatically if the trip

exceeds 30 days from the departure date.

For Travel Cancellation, the coverage shall commence on the date the Travel Insurance for Commercial

Airline’s Guest is purchased by the Insured Person.


If the Insured is hospitalized while the Policy is in force and requires continuous treatment as in-patient, the

coverage under this Policy shall be extended until the Insured Person is discharged from the Hospital or Medical

Establishment.

2.4 NOTICE OF CLAIM

The Insured Person, the beneficiary or their representative, as the case may be, must give notice to the

Company of any loss or damage without delay, In the event of death, immediate notice must be given to the

Company, unless it can be shown not to have been reasonably possible to give such notice and that notice was

given as soon as reasonably possible.

2.5 PROOF OF LOSS

2.5.1 Claim for Accidental Dismemberment of Total Permanent Disability

The Insured Person at his/her own expense must submit the following documents to the Company within 30

days after the total permanent disability or dismemberment is certified by a Physician:

2.5.1.1 Claim forms prescribed by the Company. 2.5.1.2 Physician’s report confirming such total permanent disability or dismemberment. 2.5.1.3 Copy of the Insured Person’s passport or evidence of the journey.

2.5.2 Claim for Loss of Life

The following documents must be submitted to the Company by the beneficiary at his/her own expense within

30 days after the Insured Person’s death:

2.5.2.1 Claim forms prescribed by the Company 2.5.2.2 Death certificate 2.5.2.3 Copy of autopsy report 2.5.2.4 Copy of police report 2.5.2.5 Copy of the Insured Person’s Identity card and house register with “Dead” stamp. 2.5.2.6 Copy of the Insured Person’s passport or evidence of the journey. 2.5.2.7 Copy of the beneficiary’s Identity card and house register.

Failure to furnish proof of loss within the specified period shall not invalidate any claim if it can be shown not to have been reasonably possible to do so and that proof of loss was furnished as soon as reasonably possible.


2.5.3 Claim for Travel Cancellation The Insured Person in support of the claim must submit the following documents:

2.5.3.1 Claim forms prescribed by the Company. 2.5.3.2 Letter from the AirAsia airline stating the amount charged by the airline. 2.5.3.3 Medical certificate, if the trip has to be curtailed due to Serious Injury or Serious Sickness

of the Insured Person or spouse, parent, grandparent, child, brother, sister, of the Insured Person, or parent of the Insured Person’s spouse.

2.5.3.4 Copy of death certificate, if the trip has to be curtailed due to death of the Insured Person or spouse, parent, grandparent, child, brother, sister, of the Insured Person, or parent of the Insured Person’s spouse.

2.5.4 Claim for Flight Delay / Common Carrier Delay The Insured Person in support of the claim must submit the following documents:

2.5.4.1 Claim forms prescribed by the Company. 2.5.4.2 All air tickets and boarding passes. 2.5.4.3 Written notice from the authority responsible for such flight. 2.5.4.4 Written notice from the AirAsia airline confirming that the delay has actually occurred. 2.5.4.5 Written notice from the common carrier or agent confirming the date, reason for and length

of the delay. 2.5.5 Claim for Baggage or Personal Effects

The Insured Person in support of the claim must submit the following documents: 2.5.5.1 Claim forms prescribed by the Company. 2.5.5.2 Written documentation from the hotel or carrier management, if the loss or damage occurs

while under the care and control of the hotel or carrier staff. 2.5.5.3 Description and prices of the lost or damaged items. 2.5.5.4 Local police report, if the loss or damage occurs under threat or use of violence.

2.5.6 Claim for Baggage Delay The Insured Person in support of the claim must submit the following documents:

2.5.6.1 Claim forms prescribed by the Company. 2.5.6.2 Written documentation or Letter issued by AirAsia Airline or carrier management, if the

delay occurs while under the care and control of AirAsia Airline or carrier staff. 2.5.6.3 Baggage Tag

2.5.7 Claim for Missed Flight Connection The Insured Person in support of the claim must submit the following documents:

2.5.7.1 Claim forms prescribed by the Company. 2.5.7.2 All air tickets and boarding passes of the connecting flight.


2.6 Medical Examination

The Company shall be entitled to inspect whenever necessary the Insured Person’s records of medical

treatment and diagnosis and to have a post-mortem examination at its own expense where it is not forbidden by law.

2.7 Payment of Indemnities

The Company shall pay all indemnities within 15 days after receipt of due proof of loss or damage. Indemnity

for loss of life is payable to the beneficiary while other indemnities shall be paid to the Insured Person.

Where there is any doubt that a claim made under this Policy may not be covered by the Policy. This period

may be extended as necessary but not exceeding 90 days after receipt of due proof.

If the Company fails to pay any indemnity within the above stated period, the Company shall be liable for an

interest or the payable amount at 12% per annum commencing from the date such payment is due.

If the medical expenses are incurred in a Hospital or Medical Establishments of Clinic outside of Thailand, the

amount of indemnity paid by the Company shall be based on the exchange rate prevailing on the date stated on the

receipt of such medical expenses.

2.8 Premium Payment and Refund

2.8.1 The Insured Person must make premium Payment immediately.

2.8.2 Policy providing One Way Plan and Return-Trip Plan Coverage cannot be cancelled once the

insurance certificate has been issued by the Company and no premium is refundable unless the

airline’s written documentation can be provided and the Insured Person must notify the Company before the

time the coverage becomes effective.

2.9 Arbitration

If any dispute, difference or claim shall arise under this Policy between the claimant and the Company and the

claimant wishes to settle the dispute by arbitration, the Company shall consent to such arbitration and the arbitration

proceeding shall be conducted in accordance with the Office of Insurance Commission’s Rules on Arbitration.

2.10 Condition Precedent The Company shall not be liable under this Policy unless the Insured Person or his/her representative, as the

case may be, has complied with all the terms and conditions of this Policy


SECTION 3 GENERAL EXCLUSIONS

This insurance does not cover any injury, sickness, loss or damage caused by or resulting from or occurring

during the following:

3.1 Suicide, attempted suicide or self-inflicted injury. 3.2 War, invasion, act of a foreign enemy or hostilities, whether war be declared or not, or civil war, insurrection,

rebellion, riot, strike, civil commotion, revolution, coup d’etat, declaration of martial law or any event leading

to the declaration or continued imposition of martial law.

3.3 Act of terrorism

3.4 Radiations or radioactivity from any nuclear fuel or nuclear waste arising from the combustion of nuclear

fuel and self-sustaining process of nuclear fission.

3.5 Explosion or radioactivity or nuclear component or other hazardous materials which may explode during any process of nuclear fission.

3.6 While the Insured Person is performing duties as a member of the armed forces or police force or as a volunteer in any warlike operation or crime suppression.

3.7 While in a country or territory excluded by the endorsement (if any). 3.8 While on an oil rigs platform or underground mine. 3.9 While the Insured Person is suffering from mental or nervous disorders and insanity. 3.10 While the Insured Person is engaged in manual work as plumber, electrician, mechanist, carpenter, painter,

decorator or construction laborer or in any work involving installation, assembly, maintenance, or repair of machinery, electrical appliances or hydraulic machinery or any work in high risk areas or other labor work but excluding any administration and supervisory work, sales or catering or food preparation.

3.11 While the Insured Person is driving or riding as a Guest on a motorcycle. 3.12 While the Insured Person is travelling in or through Afghanistan, Cuba, Democratic Republic of Congo, Iran,

Iraq, Liberia, Sudan or Syria; and 3.13 While the Insured Person is a terrorist, a member of a terrorist organization, a narcotics trafficker or a

purveyor of nuclear, chemical or biological weapons. 3.14 Pregnancy, miscarriage or childbirth, or any treatment relating to birth control or treatment pertaining to

infertility or any other complication arising therefrom;

SECTION 4. INSURING AGREEMENT

In exchange for the premium to be paid by the Insured Person and subject to the terms, general conditions,

provisions, insuring agreements, exclusions and endorsement of this Policy, the Company will provide the coverage

specified in the Schedule as follows:


INSURING AGREEMENTS

ACCIDENTAL DEATH, PERMANENT DISABILITY OR DISMEMBERMENT

DEFINITION

Loss of Limb means loss by complete and permanent physical severance of a hand at or above the wrist or

of a foot at or above the ankle or total functional disablement of these organs and where there is clear medical

indication confirming permanent loss of use.

Loss of Sight means the entire and permanent, irrecoverable loss of sight.

Total Permanent Disability means disability to the extent of being unable to attend to any business,

occupation of any and every kind.

COVERAGE:

While this Policy is in force and subject to the Policy’s coverage conditions, this insurance covers loss or

damage arising from bodily injury sustained by the Insured Person and is caused by an Accident and results in the

Insured Person’s death, loss of limb, loss of sight or total permanent disability within 180 days from the date of

Accident or when the bodily injury sustained by the Insured Person necessitates continuous treatment as in-patient in

Hospital or Medical Establishment and results in the Insured Person’s death. The following indemnities are payable

by the Company:

1 100% of the Sum insured For loss of life

2 100% of the Sum insured For total permanent disability lasting at least 12 consecutive months

from the date of accident or there is a clear medical indication that the

Insured Person is disabled totally and permanently.

3 100% of the Sum insured For both hands from the wrist joints or both feet from the ankle joints or

sight of both eyes.

4 100% of the Sum insured For one hand from the wrist joint and one foot from the ankle joint.

5 100% of the Sum insured For one hand from the wrist joint and sight of one eye.

6 100% of the Sum insured For one foot from the ankle joint and sight of one eye.

7 60% of the Sum insured For one hand from the wrist joint.

8 60% of the Sum insured For one foot from the ankle joint.


9 60% of the Sum insured For sight of one eye.

The Company shall pay only the highest benefit provided under this section during the period of insurance

and the total indemnities payable under this Insuring Agreement shall not exceed the Sum Insured specified in the

Schedule. If the amount of indemnity paid by the Company under this Insuring Agreement is still less than the total

Sum Insured, the coverage provided by the Company shall be equal to the remaining amount of Sum Insured until

the expiry of the period of insurance.

EXCLUSIONS

This coverage under this Insuring Agreement does not include any injury, loss or damage arising from or in

consequence of or occurring during the following:

1. Any act by the Insured Person while under the influence of intoxicating liquor or drugs “Under the influence of intoxicating liquor” shall apply to the case when a blood test shows at least 150 mg. percent of alcohol.

2. Bacterial Infection except pyrogenic infection or tetanus or rabies which occurs through an accidental cut or wound.

3. Miscarriage. 4. While the Insured Person is engaging in any kind of race involving motorized vehicles, boat, horse-

racing, competitive skiing and jet-skiing, competitive skating, professional boxing, parachuting (except for life-saving purpose), while boarding or alighting from or traveling on a balloon or glider.

5. While the Insured Person is boarding or alighting from or traveling in an aircraft which not licensed for regular transportation of Guests or not operated by a AirAsia airline.

6. While the Insured Person is operating or serving as a crew member in any aircraft. 7. While the Insured Person is engaging or participating in a brawl. 8. While the Insured Person is committing a felony or being arrested or resisting an arrest.


INSURING AGREEMENTS

TRIP CANCELLATION

DEFINITION

Serious Injury or Serious Illness means an injury that requires treatment by a qualified medical practitioner

and which results in the Insured Person being certified by that qualified medical practitioner as unfit to travel or

continue with his/her original trip.

COVERAGE

While this Policy is in force and subject to the Policy’s coverage conditions, this insurance covers the

cancellation of the Insured Person’s trip caused by:

1. Death or Serious Injury or Serious Sickness of the Insured Person, spouse, parent, grandparent, child,

brother or sister of the Insured Person or parent of the Insured Person’s spouse resulting in the Insured Person’s

inability to travel on a scheduled trip.

2. Unexpected strike, riot or civil war beyond the control of the Insured Person is resulting in the Insured

Person’s inability to travel on a scheduled trip.

The Company shall reimburse the Insured Person for any loss or damage resulting from travel cancellation

occurring after the effective date of the Policy which shall include airfare paid in advance by the Insured Person and

tax and fuel charges included in the airfare. This coverage is effective only if it is purchased before the Insured

Person becomes aware of any circumstances, which could lead to the cancellation of his/her trip.

EXCLUSIONS

The coverage under this Insuring Agreement does not include travel cancellation arising from or in

consequence of the following:

1. Any loss or damage caused by government regulations or control, or bankruptcy, insolvency or any payment default of the travel agency or carrier and which leads to travel cancellation.

2. Any loss or damage covered by any other existing insurance or which will be refunded by an airline, travel agency or any travel service provider.

3. AIDS or when blood test indicates the presence of HIV or AID related diseases. 4. Venereal disease or any sexually transmitted diseases. 5. Epidemics or Pandemic.


INSURING AGREEMENTS

FLIGHT DELAY

DEFINITION

Unexpected Circumstance means Adverse weather condition, Mechanical breakdown, Act of God, sickness or physical injury of the passengers.

COVERAGE

While this Policy is in force and subject to the Policy’s coverage conditions, In the event that the aircraft of the AirAsia airline in which the Insured Person had arranged to travel is delayed for at least 6 consecutive hours from the time specified in the itinerary supplied to the Insured Person due to adverse weather condition, mechanical breakdown, or strike or industrial action of the airline employees, the Company will pay up to the limit specified in the Schedule for every full 6 hours of delay.

Including the Return Flight is delayed due to flight rescheduling or cancellation as a results of Unexpected

Circumstances by AirAsia Airline, the company will extend the period of insurance up to maximum 3 days

automatically.

EXCLUSIONS

The Company shall not be liable for any loss arising from:

1. The failure of the Insured Person to check in according to the itinerary supplied to him/her 2. Strike or industrial action of AirAsia Airline and already in existence on the date the Trip is

arranged 3. Arising from cancellation of the Scheduled Flight due to act of any Government


INSURING AGREEMENTS BAGGAGE OR PERSONAL EFFECTS

DEFINITION Personal Effects means any property taken by the Insured Person on a trip and which is not specified in the

Exclusion. Household Contents means any property which a person will not generally take with him/her while on a trip

which includes clothing not needed during a trip, cooking utensils, home appliances, furniture. Souvenirs means any item which serves as a symbol or reminder of an event or place or any item sold or

given as a souvenir. COVERAGE

While this Policy is in force and subject to the Policy’s coverage conditions, this insurance covers loss or damage to baggage or personal effects of the Insured Person during a trip:

1. While the baggage or personal effects is under care and control of the staff of the hotel or carrier company, the loss or damage must be substantiated by written documentation from the hotel or carrier management; or

2. If the baggage or personal effects is taken from the Insured Person by force or coercion by another person, such loss or damage must be reported to the police having jurisdiction at the place of loss within 24 hours from the incident. Any claim must be accompanied by written documentation from the police.

The Company shall pay for any loss or damage to suitcases, clothing or personal effects contained therein during the Insured Person’s trip or upon the Policy’s expiry date whichever first occurs.

1. The Company shall not be liable for more than the price per item of any one article or pair or set of articles or up to the limit specified in the Schedule.

2. The Company may make payment or, at its option, reinstate or repair if the item is less than one year old. 3. The Company may make payment or, at its option, reinstate or repair subject to due allowance of

depreciation and wear and tear if the item is over one year old. An Insured Person may claim either for Baggage and Personal Effects benefit or Baggage Delay benefit (if

any) for the same event but not for both.

CONDITIONS 1. The Insured Person must report the loss or damage to the police or responsible officer of the aircraft, vessel

or conveyance on which he/she is traveling and obtain a written documentation of such loss or damage from such authority unless the Insured Person cannot do so due to circumstances beyond his/her control.

2. The Insured Person must take all reasonable precautions for the safety of the insured property. Any loss or damage to any insured property must be reported immediately to the police, hotel or carrier management or any authority having jurisdiction at the terminal of destination.


3. In the event of any payment under this Policy, the Company shall be subrogated to all the Insured Person’s rights of recovery against any person or organization and the Insured person shall execute and deliver instruments and papers and do whatever that is necessary to secure such rights. The Insured Person shall do nothing to prejudice such rights and shall not take any legal action against any person who causes such loss or damage subsequent to the loss.

4. The Insured Person must take every possible step to ensure that their baggage and personal effects are not left unattended.

5. The Insured Person shall be liable for the amount of deductible specified in the Schedule for each and every loss.

EXCLUSIONS

The coverage under this Insuring Agreement does not include property or loss or damage to baggage or personal effects arising from or in consequence of the following:

1. Animals motorized vehicles (including accessories). 2. Motorcycles, boats, automobiles, any other conveyance, snow skis, household contents, antiques, jewelry

such as diamond, gold, silver including golden articles, silverware, contact lenses, wheelchair, dentures, artificial limb, securities, promissory notes, banknote, coins, souvenirs, portable photographic, cinematographic, computer or telephone equipment, equipment for the recording of sound or pictures and its accessories.

3. Loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained from any process of repair, cleaning or adjustment made by the Insured Person.

4. Loss or damage to hired or leased equipment. 5. Seizure under quarantine or customs regulations

6. Contraband, illegal transportation or trade. 7. Loss or damage to property which is recoverable from other sources, insured under any other sources,

insured under any other insurance policy, or is refundable by any carrier, hotel or airline. 8. Loss or damage to Insured Person’s baggage and its contents, which are sent in advance, souvenirs and

items mailed or shipped separately. 9. When the baggage is left by Insured Person on any conveyance or public place or any loss or damage as

a result of the Insured Person’s failure to take due care and precautions for the safety of such property. 10. Loss or damage of goods or samples. 11. Loss or damage of data recorded on tapes, software, discs or otherwise.

The company shall not be liable for any loss of or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Insurance, be insured by any other insurance policy or policies. DEDUCTIBLE The Company shall not pay the first Baht 600 of each and every loss.


INSURING AGREEMENTS

ON-TIME GUARANTEE

While this Policy is in force and subject to the Policy’s coverage conditions, In the event that the aircraft of the AirAsia airline in which the Insured Person had arranged to travel is delayed for at least 2 consecutive hours from the time specified in the itinerary supplied to the Insured Person due to mechanical breakdown, the failure of AirAsia Airline operation and any cause not excluded in the policy and this insuring agreement, the Company will pay an On-Time Guarantee of THB 2,000.- per Insured Person.

EXCLUSIONS

The Company shall not be liable for any loss arising from:

1. The failure of the Insured Person to check in according to the itinerary supplied to him/her 2. Strike or industrial action of AirAsia Airline and already in existence on the date the Trip is

arranged 3. Arising from cancellation of the Scheduled Flight due to act of any Government 4. Arising from the Insured Person is not fit to travel or is travelling against the medical advice of a

Qualified Medical Practitioner 5. Delay caused by circumstances which beyond AirAsia Airline control such as bad weather, air

traffic control, airport closure, and acts of Gods


INSURING AGREEMENTS

BAGGAGE DELAY

While this Policy is in force and subject to the Policy’s coverage conditions, the company shall pay the insured person THB 2,000 for every six (6) complete hours whereby the Insured person’s checked-in baggage is delayed, misdirected or temporarily misplaced by the AirAsia Airline from the time of arrival at the scheduled destination abroad till the time the Insured received baggage. The maximum limit is up to the limit stated in the Schedule of Benefits. EXCLUSION The Company shall not be liable for any loss arising from:

1. Baggage delay not immediately reported to AirAsia Airline.

2. Confiscation or detention by customs, immigration and/or public authorities

3. The failure to obtain a written confirmation from the carriers or their handling agents on the actual date and time of

baggage delivery.

This policy shall only pay for Baggage delay and subsequently found damage or loss of personal effects

upon recovery of the delayed baggage at the same time for any one schedule flight.

This policy shall not pay for Baggage lost and Baggage Delay at the same for any one scheduled flight


INSURING AGREEMENTS

MISSED FLIGHT CONNECTION DEFINITION “Incoming connecting flight”: refer to Air Asia flight taken by the Insured Person from first point of departure and

had purchased a Tune Protect Travel - AirAsia Policy.

“Onward connecting flight”: refer to Schedule flight by any license airline booked by the Insured Person for their Onward journey after disembarking from the Incoming connecting flight. COVERAGE While this Policy is in force and subject to the Policy’s coverage conditions, in the event the onward

connecting flight is missed at the transfer point due to the late arrival of the incoming connecting AirAsia flight, and

no replacement is made available within 6 hours from the scheduled time of connecting departure, the company will

pay the insured person THB 3,000 for every 6 consecutive hours delay up to a maximum limit as specified in the

summary of benefits.

The company shall pay the insured person if the delay of the incoming connecting AirAsia flight is due to

the any of the following events:

1) Inclement weather at destination or departure 2) Accident to the incoming connecting flight 3) Technical fault of the incoming connecting flight

EXCLUSION The Company shall not be liable for any loss arising from:

1) The failure of the Insured Person to check-in according to the itinerary supplied to him/her. 2) Strike or industrial action existing on the date the flight is arranged. 3) Any prohibition or regulations by any government or immigration authority. 4) The Insured Person is not fit to travel or is travelling against the medical advice of a Qualified Medical

Practitioner.

5) Voluntary cancellation of a Scheduled Flight by the Insured Person 6) The onward connecting flight departure time is less than 3 hours apart from the scheduled arrival time of

the incoming connecting AirAsia flight


7) The onward connecting flight is not in the same airport as the incoming connecting AirAsia flight’s arrival airport

8) Natural disaster including earthquake, volcanic eruption and its consequences.

TUNE PROTECT TRAVEL - AIRASIA SUMMARY OF … · (Excluded Emergency Medical Evacuation ... Rubia,...

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